Why Your San Francisco Restaurant Needs Liquor Liability Insurance

When a person is visibly intoxicated at a restaurant, chances are that a bartender will stop serving them as good judgment. However, your restaurant staff has little control if an inebriated guest decides to start a fight on your property and either causes damage to your facility, or injures innocent bystanders.

Whether you own a San Francisco restaurant or manage a bar, you must protect yourself from exposures. Liability claims can come from many different sources. Consider this scenario: An intoxicated patron leaves your bar, gets into his car, drives, and commits a vehicular manslaughter act. Surprisingly in this case, the victim’s family has the ability to sue your establishment for both civil and criminal damages.

Another example of when a person could make a liquor related claim is if at a catered event, your restaurant serves alcohol and two guests are subsequently involved in a fight that causes serious injuries.

These are just a couple of situations that can occur when a business sells or serves alcohol. Ultimately, it’s vital that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a San Francisco Liquor Liability Insurance policy. In the scenarios mentioned above, this type of insurance could help cover your legal costs, court fees, and any civil or criminal damages awarded.

Cal-Nevada Insurance Agency assists restaurants and food service companies in San Francisco and throughout the northern California, Arizona, and Las Vegas, Nevada areas with risk management advice and insurance specifically designed for their exposures. In addition, we can protect you from food service risks and Property exposures. Please contact us today for more information at (866) 670-5948.